Peace of Mind with Insurance

Car Insurance Box — By Guest on October 1, 2009 7:11 am

Although most people that pay for insurance rarely have to use it, it is out there to keep us all safe, healthy, and protected from pretty much any situation we come across. Think about it, we have insurance for our health, our cars, our houses, our boats, our teeth, and our life! Anything we own that has value, most importantly our lives, is insured so that we and our loved ones are protected financially in almost any situation.

Even though we feel like we are spending way too much money on insurance every month, the majority of us probably do not think about how scary it would be if we were in a situation where we needed insurance but did not have it. You never know what can happen in your life, and if you were to be confronted with a health problem, car accident, or house damage without insurance, I guarantee you would freak out. So, even though you hate paying for insurance, think about the peace of mind it will bring if a misfortune ever does come your way.

My friend and her husband recently underwent a huge tragedy when their dog was hit by a car. He survived the hit, but he needed immediate, invasive surgery. Surgery that was very expensive. My friend and her husband were given the option to put the dog down since he was wounded so badly and needed such a huge operation that they did not have the insurance to cover. But, they loved the dog too much to make that decision and instead opted to go for the surgery.

They had both recently graduated college, gotten married, and bought a house, so they were extremely in debt at it was. They did not have insurance on their dog so the surgery was going to cost $8,000. Can you imagine spending that much money on a pet? However, if you loved your pet that much and knew you could save him, wouldn’t you feel bad if you decided to put him down just because you did not have the money to pay for the surgery? So, they saved their dog but put themselves $8,000 more into debt.

I learned from my friend’s mistake, and when I got my puppy I immediately asked about pet insurance. I was kind of slow signing up for it though, and a few weeks after I got my puppy, she jumped out of the car window… while it was moving. I freaked out, but fortunately she was fine. After that incident however, I signed up for pet insurance that very night. I spend about $40 a month on insurance for my pet, paying for that peace of mind. It makes me feel much better knowing that if she ever is hit by a car or gets cancer or something else tragic happens to her, she will be insured and I will be able to afford any medical attention she might need.

A lot of my friends laugh at me about having pet insurance, but I tell them that having that peace of mind my pet will be covered is worth $40 a month. Think about how many months of insurance I will have to pay for it to add up to $8,000! The same peace of mind applies to my life and my car. Without insurance I would be living in fear constantly.

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